| VISA Card Rates and Terms |  |
| Rates last updated 1/6/2009 8:38:24 AM. They are subject to change without notice. |
| Platinum Visa | Classic Visa | IFB Visa | Country Visa |
| APR | 9.90% Fixed | 14.80% Fixed | 7.99% or 11.99%*** (as of 11/1/08) | 7.99% or 11.99%*** (as of 11/1/08) |
| Variable Rate | n/a | n/a | 3.49%+Prime or 7.49% + Prime*** | 3.49%+Prime or 7.49% + Prime*** |
| Balance Transfer Rate | Same as Purchase | Same as Purchase | Same as Purchase | Same as Purchase |
| Cash Advance Rate | 9.90% | 14.80% | 10.49 + Prime 14.99% (as of 11/1/08) | 10.49 + Prime 14.99% (as of 11/1/08) |
| Slow Payment Rate** | 17.90% | none | 18.00% | 18.00% |
| Balance Calculation Method | Avg Daily Balance | Avg Daily Balance | Avg Daily Balance | Avg Daily Balance |
| Cash Advance Fee | 2% of the advance amount | none | 2% of the advance amount | 2% of the advance amount |
| Late Payment Fee | $25 | $25 | $30 | $30 |
| Over Credit Limit Fee | $25 | $25 | $25 | $25 |
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